We ask that you notify us if you are traveling or making purchases outside of the United States so we can flag your card accordingly. Until you do so your card will not work. We apologize for any inconvenience. You may call us at 330-674-9015 or 1-800-654-9015 during normal business hours.

Press Release | January 24, 2005

Millersburg, Ohio, January 24, 2005 - CSB Bancorp, Inc., (OTCBB:CSBB)
today announced preliminary, unaudited earnings for the three months ended
December 31, 2004 of $651,000, or $0.24 per diluted share, compared to
$552,000 of earnings, or $0.21 per diluted share in 2003. This represents
increases of 17.9% in net income and 14.3% in earnings per share for the
comparable quarters.

CSB Bancorp, Inc. also reported 2004 full year preliminary, unaudited
earnings of $2,526,000 or $0.95 per diluted share compared to $2,060,000
or $0.78 per share in 2003. These results represent increases of 22.6%
in earnings and 21.8% in diluted per share results.

“We are pleased with these results, while acknowledging we need
to continue the hard work the staff and officers have begun. While our
full year Return on Average Assets increased to .81 percent, versus .68
percent in 2003, there is still potential to improve. Likewise, our Non-Interest
Expense to Revenue ratio, the efficiency benchmark, fell to 70.4 percent
compared to 77.6 percent at the end of 2003. These ratios are measured
on a fully taxable basis and also have potential for improvement,”
stated President and C.E.O. John Limbert.

“We ended the year with positive momentum. Our net interest income
reflected four consecutive quarters of increases; loan delinquencies are
below industry peers; and perhaps most significantly, our non-interest
expenses were $521,000 lower than the prior year. These trends, coupled
with the strategies we have put into place, give us confidence for the
coming year,” added Limbert.

CSB Bancorp, Inc. is headquartered in Millersburg, Ohio and is the parent
company of The Commercial & Savings Bank, a $317 million bank serving
Holmes, Wayne and Tuscarawas counties with nine banking centers, trust
and financial, and brokerage services. CSB is located on the web at http://www.csb1.com.

Forward-looking Statement. The information in this press release contains
forward-looking statements including certain projections, plans and forecasts
of expected future performance that are not historical facts and that
are subject to a number of risk and uncertainties. Actual results and
performance could differ materially from those contemplated or implied
by these forward-looking statements.